A lifetime mortgage is a lifetime commitment – check the benefits and drawbacks before going ahead.

New customer

View our range of lifetime mortgages designed to help you tackle the ever-growing demands of later life and put you in control of a brighter financial future.
Explore our lifetime mortgages

Existing customer

Explore the support available to you and find out how to access further funds, report a change in circumstances or make a repayment.
Support for existing customers

Benefits of a lifetime mortgage

The lifetime mortgages available from Standard Life Home Finance provide access to several features. With all Standard Life Home Finance lifetime mortgages, you can:
Make voluntary repayments - With any Horizon lifetime mortgage you can make ad-hoc voluntary payments of up to 10% of the original loan amount each year without any early repayment charges (this is in addition to your contractual payments if you choose a Horizon interest reward lifetime mortgage).
Retain ownership of your home - you will not be required to sell or sacrifice ownership of your property during the term of your lifetime mortgage. Subject to T&Cs.
Remain living in your home – you’ll have the right to live in your home during the term of your lifetime mortgage, or until you or the last remaining applicant move into long-term care .
Move home in the future - if you need to move to a different property in the future and it doesn’t meet the lender's criteria, you can repay your loan in full without facing any ERCs
Avoid negative equity - our no negative equity guarantee feature means you can never owe more than your property is worth. It’s important to remember that a lifetime mortgage may leave you with limited or no property equity remaining, and it’ll reduce your financial options in the future. 
Remain on a fixed interest rate – you’ll be protected against any future interest rate increases with an interest rate fixed for life. With Horizon Interest Reward, your discounted interest rate is fixed for life providing you make all of your agreed monthly interest payments.

Want to know more?

Speak with a member of the Standard Life Home Finance team and find out more about our lifetime mortgages.